Midwest Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) dropped 2.01 percentage points in Q2 2026, from 183.45% to 181.44%. It was the largest change from Q1 2026 among the key lines here. Midwest Bank ranks 60th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 87.62% (Q2 2026). At 87.62%, Midwest Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $912.3M |
| Net loans and leases | $897.9M |
| Loans held for sale | $1.4M |
| Loans to total assets | 73.71% |
| Loan-to-deposit ratio | 87.62% |
| Net loans to equity capital | 8.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.42% |
| Multifamily (5+ residential) | 4.57% |
| Commercial and industrial | 10.52% |
| Consumer | 1.38% |
| Credit cards | 0.00% |
| Farm | 19.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 181.44% |
| Construction concentration (Tier 1 capital + allowance) | 24.32% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.70% |
| Interest income on loans | $15.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $733.8M | $858.6M | 20.20% | 10.43% | 2.04% |
| Q4 2023 | $781.1M | $886.7M | 20.23% | 10.52% | 1.86% |
| Q1 2024 | $778.9M | $892.5M | 20.74% | 11.99% | 1.90% |
| Q2 2024 | $811.2M | $904.6M | 20.43% | 11.18% | 1.91% |
| Q3 2024 | $815.7M | $959.7M | 20.85% | 9.99% | 1.93% |
| Q4 2024 | $878.3M | $936.9M | 19.31% | 10.39% | 1.76% |
| Q1 2025 | $870.6M | $941.0M | 20.05% | 11.72% | 1.55% |
| Q2 2025 | $902.9M | $979.3M | 19.53% | 11.26% | 1.56% |
| Q3 2025 | $932.3M | $1.02B | 21.31% | 10.94% | 1.51% |
| Q4 2025 | $941.3M | $1.04B | 21.95% | 9.50% | 1.35% |
| Q1 2026 | $916.1M | $1.06B | 22.91% | 11.92% | 1.33% |
| Q2 2026 | $912.3M | $1.04B | 22.42% | 10.52% | 1.38% |
Midwest Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Midwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13255) · FFIEC NIC profile (RSSD 669555)